KENDALL, FL - MARCH 07:  A member of the congregation prepares her credit cards to be cut up by a saw as she tries to dig herself out of credit card debt during a sermon by Kevin Cross about faith-based financial management at the Miami Vineyard Community Church on March 7, 2009 in Kendall, Florida. Cross preaches to people about the biblical principles of money management with his idea of steps that should be taken for handling finances to glorify and honor God. With the economic hard times that have fallen upon many people, churches around the country are trying new programs such as Cross's Margin and Meaning events, to guide people out of their debt and get back on their feet financially.  (Photo by Joe Raedle/Getty Images)

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